Delightful tri-level residence featuring 3 bedrooms and 2 bathrooms in White Bear Township's coveted White Bear Beach neighborhood. Take advantage of prime lake privileges while avoiding hefty waterfront property taxes. The thoughtfully designed layout spans three floors, showcasing an open living area on the entry level and an inviting den with wood-burning fireplace below. Step outside to your private deck overlooking an expansive, secluded yard perfect for entertaining or quiet relaxation. The property includes a convenient attached two-car garage. Quality improvements enhance this well-maintained home: roof replacement completed in 2023, concrete installed in 2017, plus updated windows and renovated bathrooms throughout. As a White Bear Beach Community resident, you'll gain exclusive membership to the private White Bear Beach Club for just $65 annually. This membership provides access to 100 feet of maintained lakeshore featuring a dock, picnic tables, grill, and kayak racks—all overlooking the pristine 2,400-acre White Bear Lake. The dedicated club members maintain beautiful sandy beaches, docking facilities, and recreational areas that create an exceptional lakeside lifestyle. Don't miss this remarkable opportunity to enjoy premium lake access at an incredible value!